Add a wife...and then kids and see what happens to your non-fixed expenses! Honestly. I used to use Quicken, etc., but don't anymore. Now my system is very simple. I pay my fixed expenses first. (Mortgage, car payment, utilities, etc.) Then I put away "x" amount for various "slush funds" I have set up. Section 125 for college savings, a retirment account in addition to my 401k, vacation, a fund for for future relatively major expenses (new furnace, new carpeting...etc.) What I'm left with is what we can spend every two weeks (I get paid bi-weekly) on non-fixed expenses. This covers Food, entertainment, clothes, and about 2,000 other things that seem to pop up. The key is to leave a realistic amount in the non-fixed expense area. Otherwise you'll always be making exceptions and not sticking to it. That's the key, not so much the amount. Something it took me many years to fully understand. Finally, cars are the biggest wallet killer. They depreciate in value, and when it's time to trade it in you never really get what you think it should be "worth." This is still hard for me, because I am a car guy. But I never buy new cars anymore, and hold onto them longer than I used to. Now if you're young, over the course of 30 or 40 years you will save tens of thousands of dollars. Heck, save $3,000 a year on average for your cars and that's $120,000 over 40 years. If iinvested in a Roth IRA that could esily be worth over $200,000 by the time you retire.